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I'm doing a masters in law clomipramine 10 mg india It can be emotionally difficult to let your policy lapse, but it could also allow you to eliminate an unnecessary retirement expense. "Life insurance was there to give you peace of mind and to protect your baby and your spouse," Hunter says. "For most people, if you have sufficient resources to take care of your retirement needs and your children are on their own, you don't need it anymore. Just let it go and save the money."